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Cashflow planning2021-10-29T08:45:12+00:00

Cashflow planning

Helping you to meet your ambitions

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Cash flow planning is the practice of planning and forecasting sources and uses of cash.

Its ultimate objective is to provide a framework that enables the most effective and efficient use of pension and investment income and the maximisation of free cash flow. A cashflow plan can bring greater clarity to the question of suitable investment risk. what if the level of risk is too high or too low to give you a realistic chance of achieving your objectives?

Cash flow planning helps determine the return needed on investments and savings to meet the goals over a given period. It informs the investor how likely they may achieve their goals or whether they need to consider trade-offs, such as saving a little more or changing investment risk, a cashflow plan can also identify the risks which may prevent or delay some goals being achieved.

These include ill health, loss of employment, death of a loved one, investments falling in value, Many of these risks can be managed so that should misfortune strike, there is a plan B to cushion the impact.

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Financial Planning Services

Retirement Planning

  • Transition from earned income to investment income

  • Cashflow planning

  • Ensuring financial security

  • Hierarchy of distribution

  • Tax efficiency

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Legacy and Estate Planning

  • Wealth transfer preparation

  • Trusts

  • Intergenerational stake holders

  • Strategies to manage inheritance tax

  • Planning for the unexpected

  • Wills and guardianship

  • Insurance

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Offshore Banking

  • Multi-currency accounts

  • Capital safety and security via jurisdiction

  • Intergenerational stake holders

  • International pensions

  • Fixed term deposits

  • Lending

  • Non-contractual savings

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Pension Advice and Pension Transfers​

  • FCA Regulated Pension Transfer Advice

  • QROPS

  • SIPPS

  • Double taxation treaties for expats

  • Maximizing lifetime allowance

  • Tax mitigation strategies

  • Advising and facilitating pension drawdown

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Cashflow planning

  • Forecasting sources and uses of cash

  • Assessing personal aspirations

  • Estimating future projected income and expenditure

  • Assessing potential IHT liabilities

  • Unexpected events

  • Historical predictors

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Investing

  • A long-term, value-orientated approach

  • Risk management, not risk minimisation

  • Aggregated investing power

  • Attractive returns

  • Cost effective ETF’s and passive investments

  • Portfolio rebalancing

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What does your financial future look like?

We help you to answer all important questions such as:

How do I make the most of my pensions?2021-09-10T08:40:21+00:00

Whether you’re thinking about opening a pension plan, you’re looking at transferring your pension to a SIPP or QROP”s, or you’re nearing retirement and considering your options. You should always make sure you’re fully clued-up when you’re making pension decisions, and seek further advice if you feel you need it. In particular, if you want to transfer a Defined Benefit Pension worth over £30,000 then you need to consult a Pension Transfer Specialist first.

Will my family be OK when I die?2021-09-10T08:39:20+00:00

No one wants to think about ‘kicking the bucket’, but putting your financial affairs in order can save your family from a lot of extra grief in the event of your death. Only by planning effectively and in advance can you be sure that you have taken the necessary steps available to you. Careful planning is often required to ensure your loved ones aren’t left with nasty surprises when you pass on your estate.

I am risk averse, where should I invest?2021-09-15T11:30:31+00:00

Risk and returns share a direct relation. While risk-prone investments are likely to yield higher returns, they also have higher volatility. Risk-averse investors are the ones who choose more stable returns, even if lower, over volatility. A key element in our financial planning process is to provide a robust investment engine for the realisation of your financial and life goals. Designed to offer a range of investment experiences which can be matched with your capacity for investment risk.

Can I retire early?2021-09-10T08:39:47+00:00

The ultimate goal for most retirees is making sure their assets last as long as they live. Once a person or household can no longer rely on earned income, balancing income and expenses becomes the primary focus of financial planning. And because of increasing longevity, managing cash flow is more critical than ever. We utilise cash flow planning to help forecast sources and uses of cash. Providing a framework that enables the most effective and efficient use of pension and investment income. You might be able to retire early that you think!

Am I going to have enough?2021-09-10T08:40:05+00:00

Enough means something different to everyone. Many people focus on asking if they have enough, when the real question is, enough for what? If you want to build up enough wealth to meet your life goals, the first step is knowing clearly what those goals are.  A clear financial plan will help you find the right balance between financial security and living your preferred lifestyle.

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